Core Viewpoint - The article highlights the initiative by Jiangsu Bank to enhance the digital infrastructure for elderly education through the launch of an online payment system for senior universities, aligning with the government's push to develop the silver economy and improve the welfare of the elderly [1] Group 1: Government Initiatives - The State Council issued opinions on developing the silver economy to enrich elderly cultural and sports services and establish national senior universities [1] - The initiative aims to promote open education for the elderly, enhancing their learning opportunities [1] Group 2: Jiangsu Bank's Contributions - Jiangsu Bank launched an online payment system for senior universities, allowing students to pay fees directly into the local fiscal non-tax account, streamlining the payment process [1] - The bank's financial technology capabilities enable online course inquiries and facilitate course selection based on various criteria, making it easier for elderly individuals to find suitable classes [1] Group 3: Support for Elderly Clients - Jiangsu Bank supports family members in assisting elderly clients with online registration and payment through mobile banking [1] - The bank actively promotes the payment system and conducts training sessions on mobile usage and financial knowledge to empower elderly clients in using financial services [1] Group 4: Future Goals - Jiangsu Bank aims to contribute to the construction of a service system for senior universities, fostering an environment where the elderly can learn, enjoy, and contribute to society [1]

Core Insights - Liu Qiangdong's AI digital avatar made its debut in a live-streaming event, achieving over 20 million views in less than an hour, showcasing the potential of AI in e-commerce [1] - JD.com is actively seeking to enhance its live-streaming capabilities by attracting top-tier hosts, aiming to compete with platforms like Taobao and Douyin [2] - The company has implemented significant reforms and investments to improve its content ecosystem and attract more users and merchants [3] Group 1: AI Digital Avatar Launch - The AI digital avatar "Cai Xiao Dong" successfully launched on April 16, 2023, in JD's live-streaming channels, reflecting the company's innovative approach to e-commerce [1] - The live-streaming event saw over 10 million viewers within 30 minutes, with several products sold out during the broadcast [1] - This event marks the first instance of a corporate leader's digital avatar participating in a live-streaming sales event [1] Group 2: Competition and Strategy - JD.com is focusing on attracting top live-streaming hosts to enhance its platform's visibility and sales potential, as evidenced by its previous successful collaborations with influencers [2] - The company has segmented its live-streaming channels into various categories, including home appliances and groceries, to cater to diverse consumer interests [2] - JD's strategy includes a significant investment of 10 billion in cash and traffic incentives to recruit hosts and enhance user engagement [3] Group 3: Market Position and Growth - JD.com has seen a substantial increase in third-party merchants, with a 188% year-on-year growth in 2023, indicating a successful expansion of its marketplace [3] - The company aims to shift its image from being primarily associated with 3C products to a broader range of consumer goods, including low-cost private label products [2][3] - The focus on content and user experience is part of JD's broader strategy to compete against rivals like Pinduoduo and Douyin, which have been encroaching on its market share [3]

Core Insights - Liu Qiangdong, the founder of JD.com, has launched an AI digital persona named "Cai Xiao Dong Ge" to engage with consumers in a new format of e-commerce live streaming, marking the transition to the AIGC-driven e-commerce live streaming 3.0 era [1][2] Group 1: AI Digital Persona Development - The "Cai Xiao Dong Ge" AI digital persona closely mimics Liu Qiangdong's expressions, gestures, and voice, achieving nearly 100% likeness through extensive training of JD Cloud's language model [1] - The training process involved capturing Liu's habitual expressions and actions, as well as his distinctive Suqian accent and speech patterns, to ensure authenticity in communication [1][2] Group 2: Enhanced Features of the AI Digital Persona - The upgraded JD Cloud Yanxi digital persona integrates a large language model, enhancing its expressiveness and interactive capabilities, specifically tailored for e-commerce scenarios [2] - The AI persona can adapt its voice to different live streaming styles, creating a professional atmosphere or an engaging tone to attract users, with experiments showing that most users cannot discern it as a digital entity within 120 seconds [2][3] Group 3: Operational Efficiency and Cost Reduction - The introduction of a live streaming control center allows real-time monitoring of product inventory and adjustments to live streaming scripts, optimizing the overall operational efficiency [3] - The AI digital persona enables simultaneous live streaming across multiple channels without local computer setups, reducing broadcasting costs by 30% and facilitating seamless transitions between human and digital hosts [3] Group 4: Broader Industry Implications - The debut of the "Cai Xiao Dong Ge" AI digital persona signifies a significant advancement in AIGC technology's application within the industry, with plans to expand its use across various sectors such as e-commerce, cultural tourism, finance, and intelligent services [3]

Group 1 - JD.com is launching its first live streaming event featuring the AI digital persona of Liu Qiangdong, responding to consumer requests for his appearance [1] - The AI digital persona will share experiences related to food, reading, and lifestyle while promoting selected low-priced products [1] - JD.com Supermarket will announce a 10 billion yuan agricultural subsidy project aimed at providing consumers with high-quality agricultural products at lower prices [1] Group 2 - JD.com is investing over 1 billion yuan in cash and 1 billion in traffic to enhance its content ecosystem and attract quality creators and institutions [2] - The company aims to provide a cost-effective and reliable shopping experience through its live streaming, differentiating itself by not charging placement fees or commissions [2] - The live streaming event is expected to strengthen JD.com's low-price strategy and enhance consumer shopping experiences [2]

据路透社15日报道，美国特斯拉公司首席执行官马斯克在给员工的一封信中表示，将在全球范围内裁员10%，可能影响约1.5万名员工。截至北京时间20时30分，特斯拉股价在盘前交易中下跌1.32%。 马斯克在内部信件中称，公司在某些领域出现了冗余岗位和人员，而公司正在为下一阶段的增长做准备，因此必须降低成本并提高效率，决定在全球范围内裁员10%。特斯拉提交给监管机构的一份最新文件显示，截至去年12月，特斯拉在全球拥有员工数量超14万人，此次裁员将影响约1.5万名员工。去年2月，特斯拉曾在纽约裁员4%。 根据特斯拉公布的数据，今年第一季度特斯拉汽车交付量同比下降8.5%至约38.68万辆，这是特斯拉近四年来的首次下降，也低于市场预期。马斯克曾表示，特斯拉在2024年的增速可能会明显低于2023年。 ...

Financial Performance - The company achieved a revenue of RMB 66.711 billion in 2023, a slight increase of 0.66% year-on-year, with operating profit reaching RMB 28.11 billion, up 4.33%, and net profit attributable to shareholders of RMB 25.624 billion, a 3.49% increase [1] - Net interest income accounted for 75.47% of total revenue at RMB 50.35 billion, a decrease of 2.15% year-on-year, while net fee and commission income dropped by 46.9% to RMB 3.752 billion [1][2] - Other net income surged by 62.65% to RMB 12.609 billion, driven by investment income, asset disposal gains, and fair value changes [2][3] Asset and Liability Structure - Total assets reached RMB 3.748679 trillion by the end of 2023, a 10.65% increase year-on-year, maintaining its position as the largest city commercial bank [5] - Total liabilities grew by 11.15% to RMB 3.420447 trillion, with customer deposits increasing by 8.18% to RMB 2.069791 trillion [5][6] - Loans and advances totaled RMB 2.015552 trillion, up 12.14% year-on-year, with corporate loans increasing by 16.62% to RMB 1.169317 trillion [5][6] Interest Rate and Profitability Metrics - The net interest margin (NIM) declined to 1.54% in 2023 from 1.76% in 2022, while the net interest spread narrowed to 1.53% from 1.71% [4] - Return on assets (ROA) decreased to 0.72% from 0.77% in 2022, and return on equity (ROE) fell to 9.32% from 9.6% [4] Loan Portfolio and Risk Management - Corporate loans accounted for 65.14% of total loans, with general loans and advances making up 56.65% [8] - Personal loans increased by 9.8% to RMB 702.581 billion, with personal consumption loans growing significantly, while personal housing loans decreased by RMB 13.1 billion [6][7] - The non-performing loan (NPL) ratio improved to 1.32%, down 0.11 percentage points year-on-year, with a provision coverage ratio of 216.78%, up 6.74 percentage points [9] Regional and Sectoral Focus - 43.27% of the company's loans were allocated to the Beijing region, with over 80% distributed across Jiangsu, Zhejiang, and Shenzhen [5] - The company emphasized strict control over large credit exposures, inter-regional credit, and high-leverage enterprises to mitigate risks [9]

Core Viewpoint - Beijing Bank has increased employee salaries significantly in 2023, reflecting its strong financial performance despite challenges in the banking sector [1][2]. Group 1: Employee Compensation - In 2023, Beijing Bank's total employee compensation reached 9.386 billion yuan, an increase of 1 billion yuan from 8.382 billion yuan in 2022 [1]. - The average annual salary for employees rose to 482,700 yuan in 2023, up from 466,200 yuan in 2022, indicating an increase of 16,500 yuan, or approximately 1,375 yuan per month [1]. - The bank's workforce grew by 1,465 employees in 2023, with a notable recruitment of nearly 1,300 recent graduates, marking the highest recruitment scale in history [1]. Group 2: Financial Performance - Beijing Bank reported a revenue of 66.711 billion yuan in 2023, a year-on-year increase of 0.66%, and a net profit attributable to the parent company of 25.624 billion yuan, up 3.49% from the previous year [1]. - The non-performing loan ratio was 1.32%, a decrease of 0.11 percentage points from the beginning of the year, while the provision coverage ratio increased by 6.74 percentage points to 216.78% [1]. - As of the end of 2023, the bank's total assets reached 3.75 trillion yuan, reflecting a growth of 10.65% from the beginning of the year, maintaining its position as the largest city commercial bank [1]. Group 3: Management and Strategy - The bank's compensation and evaluation policies are aligned with its strategic development goals, emphasizing the importance of compliance, risk management, operational efficiency, transformation, and social responsibility [2]. - The chairman, Huo Xuewen, has consistently praised the employees' contributions and emphasized the importance of a dedicated and professional workforce [2].

作者：宋涵 出品：全球财说 去年刚上任新华保险(601336. SH；01336. HK)掌门不久的杨玉成首次参加业绩发布会，就是一份营收、净利双下滑的棘手局面。 “2024年新华保险将致力于改善公司业绩、增厚投资收益。”杨玉成在业绩发布会上表示。 随着2023年上市险企年报出炉。资产端承压，负债端回暖成为行业普遍共识。寿险公司新业务价值大幅增长下，仍挣扎于降低负债成本和利差损风险经营漩涡中。 以寿险业务为核心的新华保险来看，价值增长超预期，可比口径新业务价值同比增长65.1%。然受资本市场持续低位震荡及新会计准则实施等因素影响，投资端承压拖累了利润表现，模拟可比口径下，归母净利下滑43%。 此外，新华保险世界财富500强排名出现下滑。2021、2022年新华保险排位分别为415名、416名，2023年则掉至478位。 01 净利下滑超4成 自2019年万峰离任后，到杨玉成已是这几年间的第四任董事长。在2023年报“致股东函”章节，杨玉成对集团业绩描述仅有只言片语。 2023年，该公司营收、净利双双下滑。实现归属于母公司股东的净利润87.12亿元，同比下降11.3%；实 ...

格隆汇4月3日｜据科技网站9to5Mac，在苹果今日发布的iOS 17.5开发者测试版内部代码中发现了一项反跟踪功能的蛛丝马迹。“查找”应用中的新增代码显示，iOS系统将能够识别未经苹果认证或未加入“查找”网络的跟踪器，并帮助用户禁用它们。其中一段代码写道：“此物品未经苹果‘查找’网络认证。您可以禁用此物品，以阻止其将位置信息分享给拥有者。有关如何操作，请参阅物品制造商网站上的相关说明。”虽然这项功能目前尚未开放给测试者使用，但其很可能将随iOS 17.5正式版一同推出，三星、Tile、Chipolo、Eufy和Pebblebee等公司均表示有意支持这项技术。 (责任编辑：宋政 HN002) ...

央视财经(记者 汪炜)据美国广播公司网2日报道，美国科技巨头微软公司当地时间4月1日宣布，将在全球范围内将其聊天和视频应用Teams与Office办公软件进行分拆销售。此举是对此前欧盟等监管机构反垄断审查的回应，也旨在避免可能面临的反垄断罚款。 据了解，Teams于2017年被免费添加到Office 365套件中，并成为企业用户中流行的沟通协作工具。不过，这也引起竞争对手的不满，认为微软将Teams与Office捆绑销售的行为构成了不公平竞争。 自2020年办公协作平台Slack向欧盟委员会提出投诉以来，欧盟监管机构一直在对微软的这一行为进行调查。值得注意的是，微软在过去十年中曾因产品捆绑销售等行为被欧盟处以高额罚款。如果此次被判定违反反垄断法规，该公司将面临最高可达其全球年营业额10%的罚款。 ...